# 中小企業退職金共済法 / Small and Medium Sized Enterprise Retirement Allowance Cooperative Act — 第二十九条 (Article 29) This is the Markdown twin of https://japanlaw.org/en/sme-retirement-allowance-act/art-29. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp. - Law: 中小企業退職金共済法 (Small and Medium Sized Enterprise Retirement Allowance Cooperative Act), 昭和三十四年法律第百六十号 - English title "Small and Medium Sized Enterprise Retirement Allowance Cooperative Act": Ministry of Justice translation database, which lists the title - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第二十九条 (Article 29)（退職金等の特例） — address `art-29` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/en/sme-retirement-allowance-act/art-29 - e-Gov law ID: 334AC0000000160 — never renamed. A permanent link, `/l/{lawId}/{address}` on this site, redirects to the page. - Every provision below carries its address and its URL on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第二十九条（退職金等の特例） — Special Provisions on Retirement Allowances, etc. caption: machine translation, not official art-29 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29 **第一項** 過去勤務掛金が納付されたことのある退職金共済契約の被共済者（次項の規定に該当する被共済者を除く。）が退職したときにおける退職金の額は、第十条第二項の規定にかかわらず、次のいずれか多い額とする。 art-29/par-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-1 Notwithstanding the provisions of Article 10, paragraph (2), the amount of the retirement allowance when a covered employee under a retirement allowance mutual aid contract for which past service premiums have been paid (excluding a covered employee falling under the following paragraph) retires is to be the greater of the following amounts: machine translation, not official **一** 退職金共済契約が効力を生じた日の属する年から過去勤務期間の年数分さかのぼつた年における同日に応当する日に退職金共済契約の効力が生じ、かつ、当該応当する日の属する月から現に退職金共済契約の効力が生じた日の属する月の前月までの各月分の掛金が過去勤務通算月額に相当する額の掛金月額により納付されたものとみなして、第十条第二項（第一号を除く。）の規定を適用した場合に得られる額 art-29/par-1/item-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-1/item-1 the amount obtained by applying the provisions of Article 10, paragraph (2) (excluding item (i)) on the assumption that the retirement allowance mutual aid contract took effect on the corresponding day in the year that is the number of years of the past service period before the year containing the day on which the retirement allowance mutual aid contract took effect, and that the premiums for each month from the month containing that corresponding day through the month preceding the month containing the day on which the retirement allowance mutual aid contract actually took effect were paid based on a monthly premium equal to the past service monthly amount; machine translation, not official **二** 第十条第二項の規定により算定した額に納付された過去勤務掛金の総額（過去勤務掛金の納付があつた月数が四十八月又は六十月であるときは、過去勤務掛金の額にそれぞれ政令で定める数を乗じて得た額）を加算した額 art-29/par-1/item-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-1/item-2 the amount obtained by adding to the amount calculated pursuant to the provisions of Article 10, paragraph (2) the total amount of past service premiums paid (where the number of months for which past service premiums have been paid is 48 months or 60 months, the amount obtained by multiplying the amount of the past service premiums by the respective number specified by Cabinet Order). machine translation, not official **第二項** 過去勤務掛金が納付されたことのある退職金共済契約の被共済者であつて、その者について、退職金共済契約の効力が生じた日の属する月から五年（過去勤務期間が五年に満たないときは、当該過去勤務期間の年数）を経過する月までの一部の月につき過去勤務掛金が納付されていないものが退職したときにおける退職金の支給については、次の各号に定めるところによる。 art-29/par-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2 The payment of a retirement allowance when a covered employee under a retirement allowance mutual aid contract for which past service premiums have been paid, and for whom past service premiums have not been paid for some of the months from the month containing the day on which the retirement allowance mutual aid contract took effect through the month in which five years have elapsed (or, where the past service period is less than five years, the number of years of that past service period), retires is as provided in the following items. machine translation, not official **一** 第十条第一項ただし書の規定は、適用しない。 art-29/par-2/item-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2/item-1 The provisions of the proviso to Article 10, paragraph (1) do not apply; machine translation, not official **二** 退職金の額は、第十条第二項の規定にかかわらず、次のイからハまでに掲げる掛金納付月数の区分に応じ、当該イからハまでに定める額とする。 art-29/par-2/item-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2/item-2 The amount of the retirement allowance is, notwithstanding the provisions of Article 10, paragraph (2), the amount specified in each of (a) through (c) according to the category of the number of months of paid premiums set out in the relevant one of (a) through (c): machine translation, not official **イ** 十一月以下　納付された過去勤務掛金の総額 art-29/par-2/item-2/sub-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2/item-2/sub-1 11 months or less: the total amount of past service premiums paid; machine translation, not official **ロ** 十二月以上五十九月以下　第十条第二項の規定により算定した額に納付された過去勤務掛金の総額（過去勤務掛金の納付があつた月数が四十三月以上であるときは、過去勤務掛金の額に過去勤務掛金の納付があつた月数に応じ政令で定める率を乗じて得た額。ハにおいて同じ。）を加算した額 art-29/par-2/item-2/sub-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2/item-2/sub-2 12 months or more and 59 months or less: the amount obtained by adding to the amount calculated pursuant to the provisions of Article 10, paragraph (2) the total amount of past service premiums paid (where the number of months for which past service premiums have been paid is 43 months or more, the amount obtained by multiplying the amount of the past service premiums by the rate specified by Cabinet Order in accordance with the number of months for which past service premiums have been paid; the same applies in (c)); machine translation, not official **ハ** 六十月以上　第十条第二項の規定により算定した額に、掛金納付月数から五十九月を減じた月数に相当する期間につき、納付された過去勤務掛金の総額に対し、政令で定める利率の複利による計算をして得た元利合計額を加算した額 art-29/par-2/item-2/sub-3 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2/item-2/sub-3 60 months or more: the amount obtained by adding to the amount calculated pursuant to the provisions of Article 10, paragraph (2) the total of principal and interest obtained by calculating, for the period equivalent to the number of months obtained by subtracting 59 months from the number of months of paid premiums, compound interest at the rate specified by Cabinet Order on the total amount of past service premiums paid. machine translation, not official **第三項** 過去勤務掛金が納付されたことのある退職金共済契約が解除されたときにおける解約手当金の支給については、次の各号に定めるところによる。 art-29/par-3 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-3 The payment of a cancellation refund when a retirement allowance mutual aid contract for which past service premiums have been paid is cancelled is as provided in the following items. machine translation, not official **一** 第十六条第三項の規定は、適用しない。 art-29/par-3/item-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-3/item-1 The provisions of Article 16, paragraph (3) do not apply; machine translation, not official **二** 当該退職金共済契約の被共済者に支給される解約手当金の額は、第一項の規定に該当する被共済者にあつては同項、前項の規定に該当する被共済者にあつては同項第二号の規定の例により計算して得た額とする。 art-29/par-3/item-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-3/item-2 The amount of the cancellation refund paid to the covered employee under that retirement allowance mutual aid contract is the amount calculated in accordance with the provisions of paragraph (1) for a covered employee falling under the provisions of that paragraph, and, for a covered employee falling under the provisions of the preceding paragraph, in accordance with the provisions of item (ii) of that paragraph. machine translation, not official --- ## Cites - art-29/par-1: 次項 → 中小企業退職金共済法 第二十九条第二項 (Article 29, paragraph (2)), art-29/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2 - art-29/par-1: 第十条第二項 → 中小企業退職金共済法 第十条第二項 (Article 10, paragraph (2)), art-10/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-2 - art-29/par-1/item-1: 第十条第二項 → 中小企業退職金共済法 第十条第二項 (Article 10, paragraph (2)), art-10/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-2 - art-29/par-1/item-1: 第一号 → 中小企業退職金共済法 第十条第二項第一号 (Article 10, paragraph (2), item (i)), art-10/par-2/item-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-2/item-1 - art-29/par-1/item-2: 第十条第二項 → 中小企業退職金共済法 第十条第二項 (Article 10, paragraph (2)), art-10/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-2 - art-29/par-2/item-1: 第十条第一項 → 中小企業退職金共済法 第十条第一項 (Article 10, paragraph (1)), art-10/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-1 - art-29/par-2/item-2: 第十条第二項 → 中小企業退職金共済法 第十条第二項 (Article 10, paragraph (2)), art-10/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-2 - art-29/par-2/item-2/sub-2: 第十条第二項 → 中小企業退職金共済法 第十条第二項 (Article 10, paragraph (2)), art-10/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-2 - art-29/par-2/item-2/sub-3: 第十条第二項 → 中小企業退職金共済法 第十条第二項 (Article 10, paragraph (2)), art-10/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-10/par-2 - art-29/par-3/item-1: 第十六条第三項 → 中小企業退職金共済法 第十六条第三項 (Article 16, paragraph (3)), art-16/par-3 — https://japanlaw.org/en/sme-retirement-allowance-act/art-16/par-3 - art-29/par-3/item-2: 第一項 → 中小企業退職金共済法 第二十九条第一項 (Article 29, paragraph (1)), art-29/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-1 - art-29/par-3/item-2: 前項 → 中小企業退職金共済法 第二十九条第二項 (Article 29, paragraph (2)), art-29/par-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2 - art-29/par-3/item-2: 同項第二号 → 中小企業退職金共済法 第二十九条第二項第二号 (Article 29, paragraph (2), item (ii)), art-29/par-2/item-2 — https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-2/item-2 ## Cited by 7 provisions cite this one. No official source publishes this direction. - 中小企業退職金共済法 第二十七条第三項（過去勤務期間の通算の申出等） — https://japanlaw.org/en/sme-retirement-allowance-act/art-27/par-3 - 中小企業退職金共済法 第二十八条第一項（過去勤務掛金の納付） — https://japanlaw.org/en/sme-retirement-allowance-act/art-28/par-1 - 中小企業退職金共済法 第二十九条第一項（退職金等の特例） — https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-1 - 中小企業退職金共済法 第二十九条第三項第二号（退職金等の特例） — https://japanlaw.org/en/sme-retirement-allowance-act/art-29/par-3/item-2 - 中小企業退職金共済法 第三十条第四項（退職金相当額の受入れ等） — https://japanlaw.org/en/sme-retirement-allowance-act/art-30/par-4 - 中小企業退職金共済法 第三十一条の二第九項（退職金共済事業を廃止した団体からの受入金額の受入れ等） — https://japanlaw.org/en/sme-retirement-allowance-act/art-31-2/par-9 - 中小企業退職金共済法 第三十一条の三第九項（資産管理運用機関等からの移換額の移換等） — https://japanlaw.org/en/sme-retirement-allowance-act/art-31-3/par-9 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 中小企業退職金共済法 — the text in force from 2025-06-01 (https://laws.e-gov.go.jp/law/334AC0000000160/20250601_504AC0000000068), retrieved 2026-11-06 - Japanese Law Translation Database System, Ministry of Justice (法務省) — 中小企業退職金共済法 — its English title as the Ministry of Justice's translation database lists it (https://www.japaneselawtranslation.go.jp/en/laws/view/1775), retrieved 2026-09-23 - claude-sonnet-5-5 — Machine translation, batch sme-retirement-allowance-act-20261106T173426-005, translated 2026-11-07 - claude-sonnet-5-5 — Machine translation, batch sme-retirement-allowance-act-20261106T173426-006, translated 2026-11-07 - This site's parser, version 225 — 中小企業退職金共済法 — structure, counts, cross-references and defined terms, computed 2026-11-06